Thinking about buying a home in 2026? Before you start scrolling Zillow, there are three critical steps you should take in the next 90 days that most buyers completely skip.

In this episode of Closing the Deal, Zach Dickson and Sam Enright break down a month-by-month 90-day plan to help you prepare financially, understand your credit and pre-approval, and confidently start your home search without stress or surprises.

We cover:

Why financial prep is the most overlooked step in buying a home

How budgeting, savings, and debt awareness set you up for success

When to talk to a lender (and why waiting can cost you the right home)

How to set realistic expectations before touring homes

The biggest mistakes buyers make when they skip steps

If you’re a first-time buyer, planning ahead for 2026, or want a smoother home-buying experience, this episode will give you a clear roadmap.

📌 Save this episode — you’ll come back to it more than once.

00:00 – The 90-Day Plan Every 2026 Buyer Should Follow

01:05 – Why January Is the Perfect Time to Start Preparing

02:15 – Month 1: Financial Prep Most Buyers Avoid

03:45 – Budgeting, Subscriptions, and Spending Awareness

05:20 – Savings, Emergency Funds, and Hidden Homeownership Costs

07:45 – Why Financial Prep Builds Confidence as a Buyer

10:37 – Month 2: Talking to a Lender Before It’s Too Late

12:00 – Credit Checks, Pre-Approval, and Common Buyer Mistakes

14:43 – Why Skipping Pre-Approval Leads to Disappointment

18:48 – Month 3: Starting the Home Search the Right Way

19:17 – Wants vs Needs and Market Expectations

21:40 – Why Preparation Makes the Home Search More Enjoyable

24:45 – Enjoying the Process, Not Just the Result

26:16 – Final Advice for Buyers Planning for 2026